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Employee Benefits Survey
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Table 8. Medical care benefits: High deductible and nonhigh deductible health plans, private industry workers, 2017
(All workers participating in medical care plans = 100 percent)
Characteristics High deductible health plans(1) Nonhigh deductible health plans

Worker characteristics

All workers

42 57

Management, professional, and related

44 55

Management, business, and financial

48 51

Professional and related

42 58

Service: Protective service

- 59

Sales and office

49 49

Sales and related

59 40

Office and administrative support

45 53

Natural resources, construction, and maintenance: Construction, extraction, farming, fishing, and forestry

39 55

Production, transportation, and material moving

41 58

Production

44 55

Transportation and material moving

38 61

Full time

43 56

Part time

37 63

Union

18 81

Nonunion

45 54

Average wage within the following categories(2):

Second 25 percent

47 51

Third 25 percent

41 58

Highest 25 percent

40 60

Highest 10 percent

43 56

Establishment characteristics

Goods-producing industries

43 55

Construction

40 57

Manufacturing

44 55

Service-providing industries

42 57

Trade, transportation, and utilities

47 51

Retail trade

60 37

Transportation and warehousing

30 70

Information

45 53

Financial activities

55 44

Finance and insurance

59 40

Credit intermediation and related activities

62 37

Insurance carriers and related activities

57 43

Education and health services

35 65

Educational services

14 86

Junior colleges, colleges, and universities

15 85

100 workers or more

38 62

100 to 499 workers

42 57

500 workers or more

32 67

Geographic areas

Northeast

30 69

New England

32 68

Middle Atlantic

30 70

South

48 51

West South Central

52 47

Midwest

51 48

East North Central

51 49

West

36 64

Mountain

46 54

Pacific

32 67

Footnotes:
(1) The sum of the columns may not equal 100 since only plans with fixed, variable, or no deductibles are included. Plans with other deductible formulas are not included. A high deductible health plan (HDHP) is a health plan which typically has a higher deductible and lower premium than a traditional health plan. An individual plan must have a minimum deductible of $1,300 to be classified as a HDHP. Normally the plan includes catastrophic coverage to protect against large medical expenses, but the insured is responsible for routine out-of-pocket expenses.
(2) Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2017."

Note: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20162017.htm.
Source: U.S. Bureau of Labor Statistics, National Compensation Survey.

 

Last Modified Date: May 15, 2018